BlastPoint's Credit Union Scorecard
EXPEDITION
Charter #62964 · MN
EXPEDITION has 4 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 8.4% in tier
- + AMR Growth Rate: Top 3.1% in tier
- + First Mortgage Concentration (%): Top 4.3% in tier
- + Members Per Employee (MPE): Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 2.2% in tier
- - Institutional Decline: Bottom 13.8% in tier
- - Stagnation Risk: Bottom 16.3% in tier
- - Efficiency Drag: Bottom 16.6% in tier
- - ROA 0.87% below tier average
- - Efficiency ratio 20.28% above tier (higher cost structure)
- - Member decline: -17.0% YoY
- - Member Growth Rate: Bottom 1.1% in tier
- - Deposit Growth Rate: Bottom 4.9% in tier
- - Asset Growth Rate: Bottom 5.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,108
-17.0% YoY-3.6% QoQ
|
-1.3K |
15,437
-2.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
53% |
| Assets |
$220.3M
-3.2% YoY-0.4% QoQ
|
$-11.5M |
$231.9M
+1.3% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$118.5M
-4.7% YoY-2.7% QoQ
|
$-28.8M |
$147.3M
-0.1% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
47% |
| Deposits |
$197.5M
-4.0% YoY-0.5% QoQ
|
$-3.3M |
$200.8M
+0.8% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
58% |
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| ROA |
-0.1%
+15.6% YoY-12.2% QoQ
|
-0.9% |
0.8%
+18.2% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.4% in tier |
| NIM |
3.0%
+12.7% YoY+3.2% QoQ
|
-0.6% |
3.6%
+6.7% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
17% |
| Efficiency Ratio |
97.3%
+1.8% YoY-1.7% QoQ
|
+20.3% |
77.0%
-3.1% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
Top 3.5% in tier |
| Delinquency Rate |
0.3%
-33.6% YoY-33.7% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
Bottom 14.6% in tier |
| Loan To Share |
60.0%
-0.8% YoY-2.2% QoQ
|
-12.2% |
72.2%
-1.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
23% |
| AMR |
$22,401
+15.4% YoY+2.3% QoQ
|
$-2K |
$24,676
+3.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
49% |
| CD Concentration |
23.8%
-7.6% YoY-1.6% QoQ
|
-0.7% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
14.3%
-25.6% YoY-6.5% QoQ
|
+0.5% | 13.8% | 6.5% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)